By Rochelle Miller

Navigating the insurance marketplace is often a daunting experience. Overwhelmed by myriad options and without expert guidance, choosing the right coverage for your needs can be quite a challenge.

Cosmo Insurance Agency has redefined and facilitated the entire insurance process, transforming the maddening marketplace maze into a pleasant experience with seamless solutions. With signature customer service as its hallmark, Cosmo’s team of consummate professionals has mastered every detail of the insurance process and will walk you through it from beginning to end. Since its inception ten years ago, Cosmo has earned a sterling reputation for integrity and unparalleled client service. Working in tandem with his dedicated team, founder and president Mark Herschlag has elevated the entire process, resulting in a pleasant experience that is devoid of pressure and confusion.

What distinguishes Cosmo from other insurance agencies is its signature stellar service. More than just a business, this is a company that truly cares about each client. This unique relationship continues long after the policy is signed. Whether it’s health insurance, life insurance, long-term-care insurance, or vision, dental, or disability, Cosmo will be there for you every step of the way. It’s not surprising that individuals, businesses, and self-employed business owners have made Cosmo their insurance source of choice; this company is second to none in assessing and accommodating the needs of every client.

As premier purveyors of a plethora of insurance options, Cosmo also offers Professional Employer Organization (PEO) services. If you are a small-business owner looking for HR solutions, a PEO may be the best solution for you. The PEO industry is a thriving sector of the economy with a significant foothold and strong growth over the last 30 years. Among the many services provided by professional employer organizations to growing businesses around the country are comprehensive HR solutions for small and mid-size businesses, payroll benefits, and HR tax administrative and regulatory compliance assistance. Small businesses that work with a PEO grow 7 to 9 percent faster, have employee turnover that is 10 to 14 percent lower, and are 50 percent less likely to go out of business. Job satisfaction and productivity increase when employees are provided with enhanced benefits, training, safety services, and improved communication.

Through a PEO, the employees of small businesses gain access to big-business employee benefits such as 401(k) plans, health, dental, life, and other insurance, dependent care, as well as other benefits they might not typically receive as employees of a small company. When a company works with a PEO, job security is improved as the PEO implements efficiencies to lower employment costs.

Cosmo is now partnered with Employer Health Association, which provides self-employed or single member businesses to receive health benefits on par with large corporations at affordable rates. Additionally, EHA will help you set up a wide-ranging benefits package and risk-management plan that will include dental, visual, and other outstanding benefits, just as those received by Fortune 500 companies.

Previously, most self-employed individuals were limited in their insurance options; they had to either shop through the exchange, directly through the carrier, or through a broker.

Cosmo’s team of experts understands your needs and wants. Being at the helm of a small business can be fraught with challenges. You’re on a tight budget and have myriad expenses. Much as you would like to obtain the most comprehensive and expensive benefits package to ensure the best possible coverage, doing so would hardly be a judicious decision. Often, risky investments can be disastrous for small operations.

Don’t put your business, and your family’s future, in jeopardy by investing in a high-dollar package that might put your business in the red. Instead, let the Cosmo team help you. Through membership in the Employer Health Association, you will receive access to benefits support managed by a top-rated group of industry professionals. They have decades of experience in benefits management and strive to help their members govern their internal and external needs.

“It is our belief that any company that wants broad-reaching benefits should be able to get them affordably,” says Cosmo founder and CEO Mark Herschlag. “We don’t let cost be a limiting factor in your search for top-notch support. We like to say that every small-business owner who works with us will walk away feeling like a Fortune 500 company.”

Indeed, it is Cosmo’s signature white-glove service that has earned the New Jersey-based company an ever-expanding client base throughout the entire tristate area. The following are representative of the many enthusiastic comments received from highly satisfied Cosmo clients:

  • “Amazing service!” said Aaron K. of Lakewood. “Cosmo isn’t just another insurance place; they explain options to the customers. Their highly personalized service is top-notch and much appreciated.”
  • “I began with Cosmo last year for my family’s insurance coverage … it’s a tough process but Cosmo representatives made it easy and explained everything in detail,” said Susan H. of Marlboro, New Jersey. “If I have an issue, I know Cosmo will help handle it for me. I couldn’t be happier with their service.”
  • “Having an advocate is amazing and the total opposite of every healthcare experience we ever had,” said Dov K. of Toms River. “Thank you again, Cosmo, for providing five-star customer service.”

Cosmo Insurance Agency offers personalized solutions for individuals and businesses looking to obtain health, life, dental, long-term-care, or disability insurance. For more information or for a free, no-obligation quote, please call 201-817-1388 or e-mail

Rochelle Maruch Miller is a contributing editor for the Five Towns Jewish Times. She is a journalist, creative media consultant, lecturer, and educator, and writes for magazines, newspapers, websites, and private clients. She welcomes your comments at


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